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Issue full-functionality cheque cards

Full-function cards can be issued and linked to the business's accounts allowing the card holder to withdraw cash, pay at point-of-sale devices, obtain balances/mini-statements at FNB ATMs and perform transfers between accounts.

FNB makes transacting easy

inContact and inContact Pro allow you to track your financial transactions across all your FNB accounts by means of an SMS or email. You will be informed of all purchases and withdrawals over P100, and will be able to view your available balances.

Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE.

With My Limit Alert, My Balance Alert and Scheduled Payment Alert you can always be aware of what's happening in your bank accounts, which enables you to transact and plan accordingly. Note that these services are provided to you at an additional cost.

eWallet allows you to pay your staff or other recipients electronically and immediately, even if they don't have a bank account.

FNB's Top Up and Withdraw with PayPal™ offers you a safe and convenient way to send and receive cross-border payments online without exposing credit card or bank account details.

FNB Merchant Services provides specialised card payment acceptance, reconciliation and settlement services across all delivery channels.

With FNB Forex, you can apply to send and receive foreign currency payments anywhere, any time with secure and fast Online Banking for Business. Our import and export solutions help you unlock international markets by not only catering for your specific needs, but also helping to protect you from the risks associated with global transacting.

Instant Accounting

A unique, online accounting solution which uses your FNB electronic bank statement to generate financial statements and reports, using our FNB electronic bank statement to do your bookkeeping automatically every night.

More about Instant Accounting

Business Forex

The foreign exchange rates on our site are updated daily (Monday to Friday). Please contact your nearest FNB branch if you wish to buy or sell foreign currency.

More about Business Forex


PayPal is one of the world's leading digital payments platform. Whether it's for a job you did, goods you sold, an event you organised or a gift from family or friends from abroad; with PayPal, you can easily accept payments from anyone with an email address.

  • It is as easy as paying with either a card or a PayPal balance from almost any device with just a few clicks.
  • PayPal never reveals your financial information.

More about PayPal

Merchant Services

FNB Merchant Services has the right card acceptance solution for you at the right price. We provide card payment acceptance solutions, deliver high performance transaction authorisation as well as a routing and settlement acquiring platform across industries.

More about Merchant Services

Business Overdraft

What the Business Overdraft offers

  • Accessibility to the required cash flow you need to run your business
  • Payments into the overdraft facility make funds available for use again
  • Flexibility, as you can deal with unexpected expenses and capitalise on opportunities
  • Monthly repayments are based on the amount of credit you used

What you can do

  • Enjoy FREE access to Instant Accounting - an easy-to-use online accounting solution which uses your FNB Online Banking statements to do your bookkeeping automatically every night
  • Enjoy FREE access to Instant Accounting Insights - giving you a monthly snapshot of your business's cash flow, income and expenses
  • The opportunity to apply for the new FNB Visa Business Cheque Card with Chip and PIN technology, the most secure cheque card available today, that helps your business save money


  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • The interest rate will be calculated for you, once your application has been submitted
  • Interest is charged monthly on your overdraft balance
  • Credit fees will be provided upon application


  • Product Terms and Conditions are included in the Facility Letter you receive with your approved overdraft
  • Only after signing the required facility and collateral documentation, will the overdraft facility be made available for use

Enterprise Business Account | Annual turnover of P100 million and above

Banking solutions to help grow your business

A business account that offers your business value
add and tailored products/solutions that will help
their business grow and meeting the banking needs.

Day-to-day transacting

Transacting has never been easier

FNB Business Visa Cheque Card

Purchase goods and services locally and internationally.

Issue restricted functionality cheque cards

Empower your staff by issuing them with a limited-function cheque card with restricted functionality.

Transact electronically

You can easily make once-off and recurring transfers and payments as well as debit and stop orders using Online Banking for Business.

Issue full-functionality cheque cards

Full-function cards can be issued and linked to the business's accounts.

Read more

FNB makes transacting easy

Keep track of your business transactions electronically, send and receive foreign currency payments anywhere, any time, and much more.

Read more


What you get

Business solutions

Get the business solution best suited to your needs, from insurance, to accounting solutions and foreign exchange solutions to assist you in solving your day-to-day operations and grow your business.

Instant Accounting

Business Forex


Merchant Services

Key features


Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE.

Industry specific banking services

FNB has specialised products and services which are tailor-made to suit the banking needs of specific industries.


Create a secure password with Online Secure for FREE to ensure that online transactions on thirdparty websites are secure.

Added value

Instant Accounting enables you to do your business's financial reports for FREE.

Build a credit record

Build up a credit record with the bank to support future borrowing.

Business Overdraft

Don't be caught short on cash

The Business Overdraft facility is linked to your Business Account and provides the ability to make payments even when there are no cash funds available in your account, thus avoiding penalty fees and additional charges.

You only pay for your overdraft, when you use it and there is no minimum monthly payment as long as you remain within the agreed limits.


Business Savings Pocket

Plan your cash flow effectively

The Business Savings Pocket links to your Business Account, allowing you to ring fence funds away from your main transactional account for provision or saving purposes. This helps you manage your cash flow by allowing you to provide for your PAYE, VAT, staff bonuses and other short-term business obligations.

The Business Savings Pocket allows you immediate access to your funds, by transferring between your Business Savings Pocket and your Business Account.

Applying made easy

Enterprise Business Account

Qualifying criteria

Best suited to businesses with annual turnover of P100 million and above

How to get it

Start application now

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Quick guide

Applying for a Business Cheque Account online made easy.